Investments

At UM Dhan, investment products are recommended based on each client’s risk profile, time horizon, and financial requirements. Every option is evaluated on three core parameters — safety, liquidity, and returns. Our focus is on generating inflation-beating, post-tax returns, while ensuring clients are fully informed about the associated risks. We offer a balanced mix of traditional options such as corporate fixed deposits and modern investment vehicles like mutual funds, all with the goal of building long-term wealth and financial security.

Our approach is solution-oriented — we prioritize products that optimize the risk-return balance for each investor. Diversification across asset classes such as equities, fixed income, real estate, and precious metals is emphasized to reduce risk. We do not chase high returns. For instance, when recommending mutual funds, we may select index funds or hybrid funds with lower equity exposure if they align better with a client’s requirements. Our emphasis is always on understanding client needs and customizing investment strategies accordingly.

Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Disclosure: We offer only regular plans of mutual fund schemes, for which we receive commissions. This is clearly communicated to clients prior to investment.

ARN Holder Name: Nikhil Maheshwar Walavalkar
ARN Valid Till: 1 October 2027

We Focus On:

Mutual Funds

At UM Dhan, we guide you in investing in mutual funds that align with your financial needs — whether it’s long-term wealth creation, tax efficiency, or building a safety net. Our recommendations span equity, debt, and hybrid funds, all tailored to your risk appetite and investment horizon.

With expert-driven curation, zero paperwork, and a seamless digital platform, mutual fund investing becomes smarter and more accessible. Monitor performance, switch strategies, and grow your portfolio — all with the confidence that comes from UM Dhan’s trusted financial insight.

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SIP

UM Dhan’s Systematic Investment Plans (SIPs) are tailored for individuals who value consistency, discipline, and long-term wealth creation. By allowing investors to contribute fixed amounts regularly, SIPs make investing accessible, regardless of market conditions or capital size.

SIPs offer the benefit of rupee cost averaging and the power of compounding, helping investors build a strong financial foundation over time. Ideal for both beginners and experienced investors, SIPs bring structure to your investment journey while minimizing emotional decision-making.

STP

UM Dhan’s Systematic Transfer Plan (STP) is designed for investors seeking a strategic, low-risk approach to transitioning funds between mutual funds. Whether you're moving from a debt fund to equity over time, or balancing your portfolio, STP ensures smoother entries with reduced market timing risk.

By transferring fixed amounts at regular intervals, STPs help manage volatility while optimizing returns. With expert planning and automated execution, UM Dhan ensures your capital shift is both efficient and aligned with your long-term financial strategy.

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